Decode a home renovation or repair quote — allowances that aren't prices, exclusions that become change orders, payment schedules that shift risk, and what a comparable-bids check should cover. Use when someone asks 'is this contractor quote fair', 'decode this renovation bid', 'what should be in a contractor contract', or 'why do these three bids differ so much'. Produces a section-by-section decode, the allowance and exclusion audit, payment-schedule risk analysis, and the questions that make bids comparable.